CTP will not help you.

Once in 2003 was the introduction of compulsory insurance of civil liability of vehicle owners (CTP) for a single day did not stop the criticism of the law. Does not deserve the attention of the hysterical screams of individual car owners about their own mercenary interests. Since the law passed, you need to just live with it. No one is willing to shell out anything by force, and even more so on, it would seem, an abstract service. However, in the event of an accident, in which, God forbid, you find yourself as the culprit ... lay out a lump sum of money for someone else's car you will want more for less! There are those motorists for whom rates osago represent a significant amount. By paying a stretch CTP, to cover damages in an accident, they certainly will not. Just like in the cases of car insurance CTP and directed.

Do not flatter yourself REGARDING THE TOTAL SECURITY!

It is necessary to consider those cases where help CTP not. Do not need to remind you of the rules of sobriety behind the wheel, and that has to be entered in the CTP policy driver or policy shall have the status of "unlimited" in relation to the number of eligible drivers. Also, do not need to remind you that this deliberate accidents, etc. - A rather hackneyed topics understandable to any person who is in their right mind. Consideration should be subjected to a situation clearly stipulated by the Law, but not to the extent "advertised" as drunk driving.

Let's start with the Federal Law № 40-FZ of 25.04.2002

Article 6, paragraph 2. Clause specifies the conditions under which the rules of mandatory car insurance is not covered. Such cases are not insurance. It is not, in particular, the insured event damage caused when the vehicle is on the territory of the organizations is internal. That is, you should call for the fence of any institution (hospital, factory, warehouse or vehicle fleet, etc.), CTP insurance policy expires. The biggest trouble in this interpretation of the law is that under the "internal organization of the territory" can mean anything from a fenced parking lot located in front of the supermarket and ending the on-site shopping center or service center car wash. In this case, the right not to pay enjoyed by all insurance companies.

Next, a case not cover damage insurance CTP is stipulated in the law, "the limit of liability." At this time, CTP insurance involves an amount that is 400 thousand rubles, within these limits, the insurer agrees to compensate the damage caused to victims of occurrence of each insured event. Sum, it would seem, is not small. But! Not every turning its attention to the distribution of this amount. And this amount is divided into 2 parts: one compensate the damage caused to life or health, and the other part goes to compensation for damage that was caused to property. If the number of victims of road accidents amounted to 2 or more people, then to compensation for damage that was caused to their life or health, the maximum pay 240 thousand rubles. If the victim was alone, the payment will be 160 thousand rubles.

A similar process occurs with changes in the amount of compensation for damage to property. That is, if the property was damaged by 2 or more victims, the maximum payout will amount to 160 thousand rubles, if the harm was caused by the assets of the victim, the amount does not exceed 120 thousand rubles. The conclusion is that if there was a collision with a car and there are no casualties, the maximum payout will amount to 120 thousand rubles. In the case of a road accident you with an expensive foreign car, or if you skidded on a slippery road, and you have entered the window of a shop, which sells computers, the amount of damage could far exceed 120 thousand rubles.

In that case, pay the difference, not included in the cost of CTP, you will be forced out of their own pockets. The occurrence of similar situations and maybe if there are victims. Is not news that many companies are financially successful, insure the health of their employees in private medical centers. If you encounter a situation where as a result of road accident employee of such a company, it will be ensured expensive treatment in a private clinic, and (or) he was sent to rehab in any spa facility abroad. This will make a payment to insure it in his company health insurance. After that, the insurance company makes insurance companies culprit for CTP recourse. Again, the difference you will pay their blood.

To summarize

The conclusion is obvious. The government again wanted to "make a better", but it happened again, "as always."

The liability limit for CTP is unable to cover the losses, which are a real possibility. Statistics show that one in five accidents entail damages that exceed the limit of liability. Available in the law "hole" significantly narrows the scope of responsibility of CTP, because "domestic territory organizations" make up about 27% of the territory of Moscow, as well as large areas near settlements.

Based on this, if you want to be insured in fact to "all cases" life is not worth considering osago tariffs, trust only the CTP insurance. It would be a self-sufficient, concepts such as the Voluntary insurance policies would not exist. Thanks to these policies may increase the limit of liability in excess of limits, which provides CTP is 10-20 thousand dollars, sometimes more. In this case, thanks to the policy of voluntary insurance will be covered loss caused by road accidents is on the "inside the territory of the organization."

Regardless of the motives of such a voluntary insurance, it does not save on costs. Otherwise, you first of all, save for their own health as well as happiness, no matter how corny it sounds. In addition, this insurance is much cheaper than buying osago - for that to increase the limit of 10 000 You will need to pay only some 30-40 dollars per year. And anyway, it's not an enormous sum for their own peace of mind, especially valuable on the roads.

If you still do not leave the desire to save money on insurance, you can do so by using our discount. To do this, you just need to make a call on any of these phone numbers and get a discount in the process of registration of any auto insurance policy. To carry insurance, you should call or email tell us your shipping address and your contact phone number. Delivery of the policy you will be made free of charge, it will be discharged in your presence. You can also send in advance by e-mail and get the required data is already filled with delivery policy that will only sign